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Cheap Auto Insurance Quotes in Stone Mountain, GA, for September 2022

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Courtney Roy

By: Courtney Roy

Edited by Danny Smith

Updated August 2, 2022

Quick Facts

  • The average cost of car insurance in Stone Mountain is $352/mo. or $4,224 annually.
  • Car insurance in Stone Mountain is $2 less than the average monthly cost in Georgia.
  • The cheapest top car insurance provider in Stone Mountain on average is Progressive.

Car Insurance in Stone Mountain, GA

Does this Atlanta suburb escape the high car insurance rates in the rest of Georgia? It depends on how you look at the data. Stone Mountain Village’s auto insurance coverage slides under the state average by $2 per month. Of course, savings are savings, even at two bucks, but it’s possible to do better, and that’s why it’s so important to compare car insurance quotes.

Quotes by Top Companies

Progressive
$221
Travelers
$221
Liberty Mutual
$254
Nationwide
$264
National General
$293

Cheapest Car Insurance in Stone Mountain, GA

What is the cheapest car insurance in Stone Mountain?

Progressive is the cheapest top car insurance provider on average in Stone Mountain, with rates starting at $221 per month. It’s still important to compare car insurance rates, as everyone’s situation is unique.

Finding a cheap car insurance company can be a bit of hard work. So we put the data to the test from thousands of car insurance quotes to help you uncover the best price. On top of that, auto insurance companies rate risks differently, so comparing rates is essential. Here are the average monthly rates from some providers in Stone Mountain.

Insurance CompanyAverage Monthly Quote
Progressive$221
Travelers$221
Liberty Mutual$254
Nationwide$264
National General$293
Hugo$75
Mile Auto$222
State Auto$302
Elephant$302
Acuity$309
Midvale Home & Auto$319
SafeAuto$337
Safeco$339
Mercury$356
InsureMax$384
Amigo America$384
AssuranceAmerica$399
Clearcover$423
Freedom National$438
Foremost$440
The General$445
Bristol West$471
Arrowhead$511
Everest National$517
Infinity$580
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Minimum Car Insurance Requirements in Georgia

Each state has its own laws regarding the minimum insurance requirements for its drivers. Georgia drivers must have property damage insurance and bodily injury coverage before they get behind the wheel[1]. Read more on Georgia’s minimum car insurance requirements.

Stone Mountain Car Insurance Rates by Driving and Accident History

Sometimes, people underestimate how much their driving record can affect their final premiums[2]. A single infraction can cause you to pay significantly more than you would with a clean driving record. Moreover, it’s easy to see that maintaining a clean record is one of the simplest ways to secure a cheap insurance rate after looking at the average rates below.

Driver HistoryAverage Monthly Cost
Clean Record$368
Speeding Ticket$493
At-Fault Accident$537
DUI$732
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Stone Mountain Car Insurance Rates by Credit Tier

It’s pretty common knowledge that good credit means a cheaper car payment. But the same is also true for your car insurance. Insurance research has shown a link between good credit and safe driving. That’s why people with excellent credit scores often pay the least for insurance[3]. Here’s a quick snapshot of how credit affects auto insurance rates in Stone Mountain.

Credit TierAverage Monthly Cost
Excellent$359
Good$398
Average$396
Poor$427
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Get the Cheapest Car Insurance in Stone Mountain

It’s easier to lock in a cheap rate when you know how much coverage you need. For example, will you select state minimum coverage or full coverage? And what bodily injury and property damage liability insurance limits do you need? Answering these questions will help narrow down your choices. For more savings, bundle your auto with homeowners or renters insurance.

When you’re ready to save, you can compare auto insurance quotes at Insurify. In just a few minutes, you’ll discover the best rates from top car insurance companies like Nationwide, Travelers, and Liberty Mutual. And if you want a little guidance, friendly insurance agents are standing by to answer all of your questions.

Frequently Asked Questions

  • Your path to the cheapest car insurance in Stone Mountain starts by checking out all the competition. Also, you can determine how your final premium changes when you add uninsured motorist coverage, raise your deductibles, or alter your coverage limits. In the end, you receive precisely the personalized protection you need at a price you can afford.

  • While some Stone Mountain drivers pay as little as $75 per month, the overall average rate for the city is $352. Of course, many variables affect the ultimate price, such as your vehicle, annual mileage, and driving record. Those with a spotless record can expect to qualify for good driver discounts. In contrast, high-risk drivers will have more difficulty locating competitive rates.

  • Road conditions, claim statistics, weather patterns, and even crime rates for theft and vandalism can drive up the cost of car insurance. But the most significant factors, like your driving record and vehicle, are firmly in your control. Also, your pricing depends on whether you add collision and comprehensive coverage or opt for liability coverage only.

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  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Courtney Roy
Courtney Roy

Insurance Writer

Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.

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Sources

  1. Office of Commissioner of Insurance and Safety Fire. "State Minimum Car Insurance Requirements." Accessed July 14, 2022
  2. idrivesafely.com. "Georgia Driving Record." Accessed July 26, 2022
  3. Georgia Office of Attorney General - Consumer Protection Division. "Credit Reports and Credit Score." Accessed July 26, 2022